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Call us on 0800 085 6844, Mon to Fri 8am - 8pm and Sat 8am - 4pm. (Times may vary on public holidays).

Our cover in more detail

We can offer you two levels of cover. Halifax Home Insurance is our tailored, flexible offering, while Home Insurance Ultimate has additional cover and higher limits included as standard.

Buildings Insurance

Cover limits shown in this section are part of, not in addition to, the overall ‘Private residence cover limit’.

Cover description

Home Insurance Limit

Home Insurance Ultimate Limit

Private residence cover

Up to £500,000* (included)

Unlimited** (Included)

Outbuildings cover

Up to £500,000* (optional)

Unlimited** (Included)

Accidental damage cover

Up to £500,000* (optional)

Unlimited** (Included)

Replacement of sets cover

Up to £500,000* (Included)

Unlimited** (Included)

Private residence cover

Home Insurance Limit

Up to £500,000* (included)

Home Insurance Ultimate Limit

Unlimited** (Included)

Outbuildings cover

Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Accidental damage cover

Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Replacement of sets cover

Home Insurance Limit

Up to £500,000* (Included)

Home Insurance Ultimate Limit

Unlimited** (Included)

*llustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £1,000,000 for Buildings. There are elements of cover which are subject to lower limits (e.g. Alternative accommodation).

**There are elements of cover which are subject to lower limits (e.g alternative accommodation)

Contents Insurance

Cover limits shown in this section are part of, not in addition to, the overall ‘Private residence cover’ limit. This doesn’t apply to ‘Pedal cycle’ or ‘Specific items cover’.

Cover description

Home Insurance Limit

Home Insurance Ultimate Limit

Private residence cover

Up to £75,000* (included)

Unlimited** (included)

Contents in outbuildings and in the open cover

Up to £5,000 in outbuildings (optional)Up to £1,000 In the open (optional)

Up to £10,000 in outbuildings (included)Up to £2,000 In the open (included)

Accidental damage cover

Up to £75,000* (optional)

Unlimited** (included)

Replacement of sets cover

Up to £75,000* (included)

Unlimited** (included)

Personal belongings away from the home cover

Up to £15,000** (optional)

Up to £25,000** (optional)

Students' contents away from home cover

Up to £10,000** (optional)

Up to £10,000** (optional)

Pedal cycle cover

Up to £10,000** (optional)

Up to £10,000** (optional)

Specified items cover (individually worth over £3,000)

Up to £30,000** (optional)

Up to £50,000** (optional)

Private residence cover

Home Insurance Limit

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

Contents in outbuildings and in the open cover

Home Insurance Limit

Up to £5,000 in outbuildings (optional)Up to £1,000 In the open (optional)

Home Insurance Ultimate Limit

Up to £10,000 in outbuildings (included)Up to £2,000 In the open (included)

Accidental damage cover

Home Insurance Limit

Up to £75,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (included)

Replacement of sets cover

Home Insurance Limit

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

Personal belongings away from the home cover

Home Insurance Limit

Up to £15,000** (optional)

Home Insurance Ultimate Limit

Up to £25,000** (optional)

Students' contents away from home cover

Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Pedal cycle cover

Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Specified items cover (individually worth over £3,000)

Home Insurance Limit

Up to £30,000** (optional)

Home Insurance Ultimate Limit

Up to £50,000** (optional)

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits (e.g. Alternative accommodation).

** There are elements of cover which are subject to lower limits (eg. alternative accommodation)

Switch your home insurance to us

Make sure your insurance cover is right for you. We’ve put together some guidance that keeps it simple and helps you find the right product.